ensure floating capital loans for well-performing and trustworthy enterprises which turn out the right products for the right markets

From 1998,in china the loan capital market,the increase of deposit has continuously exceeded the increase of the loan in quantity,The important reasons are:external supervision makes the commercial banks to increase deposit,internal inspitment mechanism encourage the commercial banks to increase the deposit.

1998年以来,中国信贷资金市场连续出现巨额存差,主要是由商业银行的外部监管、内部激励和贷款功能不平衡导致的。